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Cortland Bancorp (CLDB)
Key financial summary
Financials in USD| 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 20 | 21 | 22 | 25 | 24 | 27 | 30 |
| Operating profit | $m | 23 | 6 | |||||
| Net profit | $m | 4 | 5 | 4 | 9 | 7 | 8 | 10 |
| EPS reported | $ | 1.97 | 2.31 | |||||
| Operating cashflow per share | $ | 2.42 | 2.42 | |||||
| Capex per share | $ | 0.16 | 0.16 | |||||
| FCF per share | $ | 2.27 | 2.27 | |||||
| Free cash flow | $m | 10 | 14 | |||||
| Net debt | $m | -181 | 0 | |||||
| Book value equity | $m | 81 | 83 | |||||
| Book value per share | $ | 19.31 | 20.00 | |||||
| Number of shares | m | 4.19 | 4.16 | |||||
| DPS (TTM paid) | $ | 0.56 | 0.63 |
Financial summary
Financials in USD| 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Value | ||||||||
| P/E TTM | x | 9.49 | - | |||||
| P/B LTM | x | 0.97 | 1.46 | |||||
| P/S LTM | x | 2.91 | 4.09 | |||||
| P/FCF LTM | x | 8.25 | 8.65 | |||||
| EV/EBITDA LTM | x | 4.02 | 7.10 | |||||
| EV/Sales LTM | x | 2.13 | 4.09 | |||||
| Earnings Yield LTM | % | 10.54% | 6.92% | |||||
| FCF Yield | % | 12.13% | 11.57% | |||||
| Quality | ||||||||
| ROE | % | 10.20% | 10.64% | |||||
| ROIC | % | 10.64% | 10.64% | |||||
| Operating margin | % | 75.77% | 75.77% | |||||
| Gross margin | % | 100.00% | 100.00% | |||||
| FCF/Sales | % | 30.90% | 30.90% | |||||
| Growth and momentum | ||||||||
| EPS Growth YoY | % | +17.26% | +39.16% | |||||
| Sales Growth YoY | % | +14.51% | +22.96% | |||||
| Net Income Growth YoY | % | +13.47% | +35.95% | |||||
| FCF Growth | % | +79.20% | +19.28% | |||||
| Operating Profit Growth | % | +64.31% | -58.77% | |||||
| Dividend and capital structure | ||||||||
| Dividend Yield | % | 3.30% | 2.21% | |||||
| Dividend Growth | % | +12.00% | - | |||||
| Payout Ratio | % | 31.31% | 26.99% | |||||
| FCF/Debt | x | 0.41 | - | |||||
| Net Debt/EBITDA | x | -0.79 | -0.79 | |||||
| EBIT/Net interest | x | 6.12 | 6.12 | |||||
| Net debt/market cap | % | -230.54% | 0.00% | |||||
| Net debt/Equity | x | -2.23 | 0.00 | |||||
| Gross debt/equity | x | 0.29 | 0.00 | |||||
Company overview
Cortland Bancorp, Inc. operates as a financial holding entity, delivering a broad spectrum of commercial and consumer banking solutions primarily through its core operating subsidiary, The Cortland Savings and Banking Company. This corporation, headquartered in Cortland, Ohio, currently employs a staff of 144 full-time individuals. The Bancorp's central role involves the ownership, oversight, and management of The Cortland Savings and Banking Company, frequently referred to as Cortland Banks or simply the Bank. Its operations are predominantly focused within the commercial banking sector. As a state-chartered institution, the Bank is actively engaged in both commercial and retail financial services. Its extensive range of banking products encompasses checking, savings, and time deposit accounts, along with various lending options including commercial, mortgage, and installment loans. Customers also benefit from conveniences such as night depository services, automated teller machines, safe deposit boxes, and a variety of other auxiliary offerings. Furthermore, the Bank extends its services to include brokerage and investment solutions for its clientele through a strategic partnership with Investment Professionals, Inc. Under this collaboration, financial advisors provide clients with a diverse portfolio of investment instruments, covering areas like estate planning guidance, annuities, life insurance policies, fixed income products, equity investments, and comprehensive equity research and advisory services. In addition, the Bank, working with Investment Professionals, Inc., also offers asset management capabilities to its customers.
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For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Cortland Bancorp (CLDB)
Cortland Bancorp, Inc. operates as a financial holding entity, delivering a broad spectrum of commercial and consumer banking solutions primarily through its core operating subsidiary, The Cortland Savings and Banking Company. This corporation, headquartered in Cortland, Ohio, currently employs a staff of 144 full-time individuals. The Bancorp's central role involves the ownership, oversight, and management of The Cortland Savings and Banking Company, frequently referred to as Cortland Banks or simply the Bank. Its operations are predominantly focused within the commercial banking sector. As a state-chartered institution, the Bank is actively engaged in both commercial and retail financial services. Its extensive range of banking products encompasses checking, savings, and time deposit accounts, along with various lending options including commercial, mortgage, and installment loans. Customers also benefit from conveniences such as night depository services, automated teller machines, safe deposit boxes, and a variety of other auxiliary offerings. Furthermore, the Bank extends its services to include brokerage and investment solutions for its clientele through a strategic partnership with Investment Professionals, Inc. Under this collaboration, financial advisors provide clients with a diverse portfolio of investment instruments, covering areas like estate planning guidance, annuities, life insurance policies, fixed income products, equity investments, and comprehensive equity research and advisory services. In addition, the Bank, working with Investment Professionals, Inc., also offers asset management capabilities to its customers.
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